How we make this list: we compare pricing pages, product documentation and public user reviews. Ratings come from G2, Capterra or Trustpilot, with the date we checked them.
Key takeaways
- Monarch Money is the closest all-in-one Mint replacement, with a full dashboard and the least relearning.
- YNAB suits users who want to change habits, with a strict zero-based budgeting method.
- Copilot Money suits Apple households, with beautiful tracking on iPhone, iPad, Mac, and web.
- Quicken Simplifi is the budget pick for automatic tracking, at the lowest regular price here.
- Rocket Money suits subscription cleanup, with free spending tracking and subscription detection.
- PocketGuard suits the simple question of how much you can safely spend.
- EveryDollar suits Ramsey-style zero-based budgeting, with a free manual tier.
- Goodbudget is the best free pick, with digital envelopes you fill in yourself.
- Mint itself is not listed here, since this article covers replacements for it. Intuit shut Mint down in March 2024 and pointed users at Credit Karma, which kept some spending and net-worth views but dropped monthly budgets and custom categories. The honest starting point in 2026 is that the free, automatic, does-everything option no longer exists. This article is general information, not financial advice.
Quick comparison
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The best alternatives to Mint
Starting price$99.99 per year
Free planNo
Monarch Money is the closest thing to an all-in-one Mint replacement, with a full dashboard, automatic tracking, and net worth views that feel familiar to former Mint users. Partner sharing comes at no extra cost, which suits couples managing money together, and the Core plan at $99.99 per year covers the full dashboard.
The limits are free access and price. There is no free tier, only a 7-day trial that requires a card, and monthly billing costs $14.99. For most Mint refugees, Monarch Money Core is the best pick.
What we like- Full dashboard for accounts, spending, and net worth
- Partner sharing at no extra cost
- Least relearning for Mint users
Watch out for- No free tier, 7-day trial only
- Monthly price $14.99
- Plus tier costs $199.99 per year
#2YNAB
Best for: Zero-based budgeting4.5/5 on
G2 (30 reviews, checked Oct 2026)
Visit ynab.com
Starting price$109 per year
Free planNo
YNAB, or You Need A Budget, suits users who want to change habits, with a budgeting method attached to the app. Every dollar gets a job, which forces planning before spending and helps users pay off debt. The 34-day trial needs no card, and sharing covers up to 6 people.
The trade off is effort. The method needs regular work, monthly billing costs $14.99, and users who only glance weekly will not get value. For serious zero-based budgeters, YNAB is the best choice.
What we like- Strict zero-based method that changes habits
- 34-day trial with no card
- Sharing for up to 6 people
Watch out for- Method needs regular work
- $14.99 per month
- Overkill for users who only glance weekly
Starting price$95 per year
Free planNo
Copilot Money is the best budgeting app for most people in one 2026 lab ranking, scoring 4.8 out of 5 for daily review. It suits Apple households, running on iPhone, iPad, Mac, and web, with a design that makes daily transaction review pleasant rather than a chore. Annual pricing is $95 per year.
The limits are platform and free access. There is no Android app, so any household member on Android is locked out, and there is no free tier, only a 1-month trial. For Apple-only households, Copilot Money is the best pick.
What we like- Best budgeting app for most people in one 2026 lab ranking
- Beautiful design
- Daily review workflow
Watch out for- Apple devices only, no Android app
- No free tier, 1-month trial
- Monthly price $13
Starting priceSee website
Free planNo
Quicken Simplifi is the budget pick for automatic tracking, with most of the dashboard for the lowest regular price here. Cash-flow forecasting, spending plans, and projections cover the core Mint use case without the premium price of Monarch or YNAB. List pricing runs $71.88 per year, with a first-year promo near $3.99 per month billed annually.
The trade off is promo pricing. The first-year deal renews at a higher standard price near $5.99 per month, and published prices conflict across sources, so confirm on the vendor site. For low-cost automatic tracking, Simplifi is the best choice.
What we like- Lowest regular price for a full dashboard
- Cash-flow forecasting
- Spending plans and projections
Watch out for- First-year promo price renews higher
- Published prices conflict across sources
- No free tier
Starting priceFree
Free planYes
Rocket Money suits subscription cleanup, with free spending tracking plus subscription detection that finds recurring charges you forgot. Premium pricing is unusual: you choose from $7 to $14 per month, with a Premium Plus tier at $15. For users whose main money leak is subscriptions, Rocket Money is the best free starting point.
The limits are budgeting depth. Budgeting is thinner than Monarch or YNAB, and subscription cancellation help needs premium. For free tracking plus subscription cleanup, Rocket Money is the best pick.
What we like- Free spending tracking
- Subscription detection and cancellation help
- Premium you choose from $7 to $14 per month
Watch out for- Premium price varies
- Budgeting depth thinner than Monarch or YNAB
- Subscription features need premium
Starting price$74.99 per year
Free planYes
PocketGuard suits the simple question of how much you can safely spend. It subtracts bills, goals, and necessities from income to show a single spendable number, which suits users who want guidance without a detailed budget. Pricing runs $12.99 per month or $74.99 per year, with a lifetime option at $149.99.
The trade off is depth. Budgeting is less detailed than YNAB, and the premium trial runs only 7 days. For users who mainly want a safe-to-spend answer, PocketGuard is the best choice.
What we like- Simple safe-to-spend number
- Free tier available
- Lifetime option at $149.99
Watch out for- 7-day trial on premium
- Monthly price $12.99
- Less detailed budgeting than YNAB
Starting priceFree
Free planYes
EveryDollar suits Ramsey-style zero-based budgeting, with a free tier that covers manual-entry budgets. The interface is simple, the method is familiar to Ramsey followers, and Premium at $79.99 per year adds bank sync. Monthly Premium costs $17.99.
The limits are sync. Free requires manual entry, which suits users who enter purchases by hand but frustrates users who want automatic tracking. For free zero-based budgeting, EveryDollar is the best pick.
What we like- Free zero-based budgeting with manual entry
- Ramsey method fans
- Simple interface
Watch out for- Bank sync needs Premium at $79.99 per year
- Manual entry on free tier
- 14-day trial on premium
Starting priceFree
Free planYes
Goodbudget is the best free pick, with digital envelopes you fill in yourself. The free tier covers 20 envelopes, 1 account, and 2 devices, which suits couples and envelope budgeters who prefer manual control and privacy. Plus at $10 per month or $80 per year adds more envelopes, accounts, and devices.
The trade off is automation. Bank sync needs Plus and works with US banks only, and free use requires manual entry. For users who will enter purchases by hand, Goodbudget is the best free choice.
What we like- Free digital envelopes
- Privacy-friendly manual entry
- Sharing across 2 devices free
Watch out for- Bank sync needs Plus and US banks only
- Free tier caps at 20 envelopes, 1 account, and 2 devices
- Manual entry required
How we chose
We compared automatic bank sync, budgeting method, free-tier generosity, sharing, platform coverage, and price. Apps with automatic sync and full dashboards scored higher than manual-entry apps, though free manual apps scored higher for budget users. We favored apps with clear annual pricing and noted where promo prices renew higher. We did not test any app hands-on, and prices here reflect published list prices that vendors change often.
Buying guide: what to check before you pay
Start with the free-versus-paid fork. If you want automatic tracking, budget $75 to $110 a year for Monarch, YNAB, Copilot, or Simplifi. If you will enter purchases by hand, Goodbudget and EveryDollar free cover the habit at no cost. Next, check your household platform. Copilot Money has no Android app, so mixed-device households should pick Monarch or YNAB. Ask about sharing too, since Monarch shares with a partner at no extra cost and YNAB shares with up to 6 people. Check trial terms as well, since Monarch trial needs a card while YNAB trial needs none. Finally, remember this article is general information, not financial advice. Budgeting apps organize spending, but they do not replace professional advice for debt, investing, or tax decisions.
Frequently asked questions
What happened to Mint?
Intuit shut Mint down in March 2024 and pointed users at Credit Karma, which is a credit-monitoring and lending product. Credit Karma kept some spending and net-worth views but dropped monthly budgets and custom categories.
What is the closest Mint replacement?
Monarch Money is the closest all-in-one replacement, with a full dashboard, automatic tracking, and net worth views at $99.99 per year. Quicken Simplifi is the cheapest way to get a similar automatic-tracking feeling.
Is there a free Mint alternative?
Yes, with limits. Rocket Money free covers spending tracking and subscription detection, Goodbudget free covers envelope budgeting with manual entry, and EveryDollar free covers zero-based budgeting with manual entry. No free app matches Mint automatic tracking plus budgeting in full.
Is YNAB worth $109 per year?
YNAB is worth it if you follow the zero-based method regularly and want to change spending habits or pay off debt. If you only glance weekly, the method will not pay off, and a simpler dashboard such as Monarch or Simplifi fits better.
Do budgeting apps sell my data?
It depends on the app. Mint was free because it sold financial products to you. Paid apps fund themselves through subscriptions instead, which reduces that pressure, but always read the privacy policy and check data-sharing settings before you connect bank accounts.
Sources we checked (0)
Is your product missing or out of date?
We review this list regularly. Vendors can request a listing, send updated pricing or ask about featured placement.
Shihab Mia · Founder, Rankite
Shihab has 5+ years in B2B and SaaS SEO. He writes Rankite's software buying guides from pricing pages, documentation and public user reviews. More about Shihab.
Monarch Money
Copilot Money
Quicken Simplifi
Rocket Money
PocketGuard
EveryDollar
Goodbudget